Call reports 2006
PIONEER BANK — 2006
What PIONEER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 146,947,000 | 148,993,000 | 147,203,000 | 148,104,000 |
| Total loans | 115,153,000 | 117,009,000 | 118,501,000 | 120,299,000 |
| Allowance for loan losses | 1,430,000 | 1,494,000 | 1,523,000 | 1,476,000 |
| Securities available for sale | 9,142,000 | 13,074,000 | 12,091,000 | 11,577,000 |
| Securities held to maturity | 4,000 | 3,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,730,000 | 119,375,000 | 118,640,000 | 124,832,000 |
| Interest-bearing deposits | 85,974,000 | 81,242,000 | 88,590,000 | 94,665,000 |
| Noninterest-bearing deposits | 30,756,000 | 38,133,000 | 30,050,000 | 30,167,000 |
| Equity capital | 11,120,000 | 11,341,000 | 11,561,000 | 11,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,335,000 | 4,748,000 | 7,237,000 | 9,759,000 |
| Interest expense | 692,000 | 1,496,000 | 2,406,000 | 3,288,000 |
| Net interest income | 1,643,000 | 3,252,000 | 4,831,000 | 6,471,000 |
| Noninterest income | 223,000 | 443,000 | 650,000 | 891,000 |
| Noninterest expense | 1,285,000 | 2,487,000 | 3,749,000 | 4,962,000 |
| Provision for loan losses | 103,000 | 144,000 | 197,000 | 233,000 |
| Pretax income | 478,000 | 1,064,000 | 1,535,000 | 2,167,000 |
| Income tax | 161,000 | 360,000 | 519,000 | 732,000 |
| Net income | 317,000 | 704,000 | 1,016,000 | 1,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,814,000 | 11,035,000 | 11,210,000 | 11,497,000 |
| Total capital | 12,085,000 | 12,339,000 | 12,508,000 | 12,825,000 |
| Risk-weighted assets | 101,503,000 | 104,154,000 | 103,628,000 | 106,089,000 |